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Business cycles and changes in macroeconomic variables can have a huge influence on the profitability and credit exposure of an individual bank. Consequently, they affect the risk profile of a given bank. This study uses multifactor time series regressions to examine the influence of global macroeconomic variables on the probability of default for Nordic banks, both on industry level and on indivi

The aim of this study was to examine how professionals working in residential care units for unaccompanied children, construct and understand integration and culture. The study was built on empirics which was the result of five semi-structured interviews held with professionals working in this field. The interviews included both professionals working in the public sector and professionals working

Today densification of existing urban fabric is the main strategy for how to sustainably meet the needs of a growing population. But what does this development mean for ecological values inside of the city? Historically, we have thought of cities and the human kind as apart from nature, as a defense from wilderness and natural forces. Today we can no longer think only of ourselves as vulnerable to

Information and Communication Technologies (ICTs) are becoming increasingly influential in social, economic and political spheres and have also been recognised for their potential within health promotion, especially when targeting youth and adolescents. Despite the potential of these new technologies, there is a growing understanding of how prevailing inequalities between men and women and socio-c

The problem with adolescents who do not want to participate in investigation processes as witnesses, is a recurring problem for investigators with the police in Örebro. A problem that contributes to many disused investigations, despite the known existence of potential witnesses to the different crime events that involve youths. The purpose of this study is to analyze the causes that contribute to

Collaborative filtering is a method for making predictions about consumer interests by collecting preferences or information about opinions from other consumers. For this purpose statistical modeling techniques are applied to learn personalized models for each consumer based on every purchase or provided rating to the available items. Such a technique is probabilistic Latent Semantic Analysis (pLS

Textilindustrin – en vattenintensiv verksamhet Slutnotan för mängden vatten för att producera ett klädesplagg – från odling av råmaterial till tvättning samt färgning av plagget – landar idag på flera tusen liter. Den vattenintensiva produktionen sker i en stor utsträckning i utvecklingsländer, där uttaget av vatten i kombination med undermålig infrastruktur, otydliga regler och ökade klimatföränIn this study I intend to examine how textile companies address water in its operations. This is of particular interest due to the fact that water is used in huge amounts in the manufacturing process, when growing fibres for the cloth, when dyeing and washing it and in other related processes, and therefore especially important to address because of the increasing water crises all over the world –

Storytel is the leading streaming digital audiobook service in Sweden with over 200 000 users. The audiobook market is thriving, but there is still a lack of interest from researchers. The aim of this thesis is to map the Storytel users: who they are, what they listen to, and how they use the service. The thesis also aims to analyse how the audiobook medium affects the reading experience. In order

Pälsdjursuppfödning är en kontroversiell näring som helt eller delvis förbjudits i flera europeiska länder. Finland är en världsledande pälsproducent, men även dess legala status utmanades då medborgarinitiativet Turkistarhaton Suomi (≈ Finland utan pälsfarmer) syftade till att kriminalisera all pälsdjursuppfödning i Finland p.g.a. välfärdsproblem hos involverade pälsdjur. Lagförslaget förkastades

This research explored how entrepreneurs differ from non-entrepreneurs regarding creative,rational, and intuitive thinking. Individuals’ creativity was tested through the Kaufman Domain of Creativity Scale (K-DOCS). Individuals’ rationality and intuition was tested by the Revised Rational Experiential Inventory (REI). Analyzing from 68 entrepreneurs and 106 non-entrepreneurs from all over the worl

The Swedish restricted categories in terms of ethnicity and race which where once settled as a way of creating tolerance has shown to be problematic causing even more racism. Borders or categories are built to create structure and order but instead they are causing ambivalence for the growing group of people that fall in between. The aim of this study has thereby been to investigate the experience

The current refugee crisis can be said to have affected not only actual borders, but also borders within subjectivities. With a poststructuralist and deconstructive approach, subjectivities are recognized as constructed through language and within discourse, and in turn, induced through policy. Thus, in order to examine the discursive construction of subjectivities, this thesis critically engage w

The purpose of this report is to map how HTA, Health Technology Assessment, is being used for MDD products for inpatient care in Sweden. Swedish Medtech, a professional association for medical technology companies, has a need to carry out a survey about the use of HTA in Sweden for their future work. They have a project which goal is to inform policy makers about the value of innovative medical pr

The thesis studies the main sustainability challenges of Emmaus Fredriksdal, which is one of the groups of Emmaus International in Sweden. The organisation has its origin in a solidarity movement, which started in Paris after World War II with the purpose to provide support to the homeless and needy. Emmaus Fredriksdal is a young non-profit organisation in change that is becoming particularly acti

Ända sedan Klein populariserade termen Anti-branding har dess tekniker använts för att vända organisationers egna varumärken mot dem, och på så sätt sprida kritiska budskap. Med utvecklingen av sociala media utmanas många av förutsättningarna för att driva varumärkeskommunikation. Hur organisationer kommunikativt kan hantera att bli utsatta för Anti-branding och mer specifikt hur introduktionen avEver since Klein popularised the term Anti-branding, organisations has been using it’s techniques to turn companies’ own brands against them and to communicate messages of critique. With the development of social media, many old trueisms regarding brand communication has had to been reevaluated. How organizations communicatively can handle being exposed to Anti-branding and more specifically how t

The purpose with this thesis is to give the reader a holistic view of the 3D-print technology and how it can come to use in the construction industry. The purpose is also to spread knowledge about the technology. During the evaluation of the technology examines four aspects that an innovation needs to establish on the market, the aspects are: geographical resources, economical, law and social impa

The Kenyan security apparatus has undergone immense transformations particularly after Kenya’s military incursion into Southern Somalia in 2011. The intervention dubbed ‘Operation Linda Nchi’ was an attempt to protect Kenya’s territorial sovereignty and create a buffer zone against the Somali linked Al-Shabab insurgency. At the time, the risk of Al-shabab was insignificant however following the op

För att kunna bevara och tillgängliggöra det europeiska kulturarvet krävs det att institutioner som är tillgängliga för allmänheten runt om i Europa massdigitaliserar sina samlingar och arkiv. För att kunna underlätta detta antogs Europaparlamentets och rådets direktiv 2012/28/EU av den 25 oktober 2012 om viss tillåten användning av anonyma verk ska underlätta i fråga om tillgängliggörande av herrIn order to preserve and make the European cultural heritage accesable to the public, requires that institutions, that are available to the public in Europé go trough a mass digitize of their collections and archives. In order to facilitate this process the European Parliament and Council Directive 2012/28 / EU of 25 October 2012 on certain permitted uses of orphan works where adopted this was sup

Den här uppsatsen bygger på översättningen av utvalda texter med den gemensamma rubriken Asuntos lingüisticos (Språkliga företeelser) ur Juan José Millás bok Articuentos (Artikelberättelser)(2000)

En välskött golfbana kräver ofta ett intensivt skötselarbete för att tilltala spelarna estetiskt och spelmässigt. Kemiska bekämpningsmedel används både mot svampangrepp och ogräs, men med hjälp av förebyggande metoder kan man minska denna användning. Även tillsynsmyndigheten kan se till att användningen minskas genom att ställa hårdare krav på verksamheterna. För att få golfbanorna att bli så gröTo keep a high standard of the golf courses intensive maintenance work might be required. To avoid weeds, fungi and diseases on the courses almost half of all golf clubs in Sweden use chemical pesticides. Because of the toxic nature of the the substances it may cause negative impacts on the environment which makes it important to reduce or stop entirely with the use of chemical pesticides. This st